I was looking at my credit card statements and noticed one of my cards had an interest rate of 28.99%. I had no idea!

I called the credit card company to see if they could offer me a better rate. The customer service lady asked what rate I wanted. I told her that most of my credit cards were between thirteen and fourteen percent. She offered 14.99%. I told her I thought they could do better. She offered 2.99% for three months, then 11.99% after that.

My highest rate credit card just became my lowest. And all I had to do was call and ask. I don't have a high balance on any of my cards, but that does save me about ten bucks a month.

It's so funny how negotiating works nowadays. Basically, these people are authorized to offer you one rate if you ask once, then ask again and they go lower. It's the same way at a lot of electronics store chains. It's not like the salesmen actually make up prices themselves... these things are pre-defined. It cracks me up.